Product Manager - Retail Asset & Cross sell (Bharat Banking)

About the Role

Drive growth of Retail Asset business across Bharat Banking by designing, implementing and

scaling Bharat-specific product propositions, policy interventions, programs and customer

journeys. The role will act as the bridge between field teams and Central Office functions to ensure

that Retail Asset products remain competitive, relevant and scalable across semi-urban and rural

markets

Key Responsibilities

The Product Manager Retail Assets (Bharat Banking) will be responsible for driving Retail Asset

business growth, product penetration, and portfolio expansion across Bharat Banking

branches by serving as the key link between field teams and Central Office functions. The role will

focus on understanding customer and market requirements across Bharat Banking branches,

identifying growth opportunities, and driving the implementation of localized product and policy

interventions to meet the unique needs of Bharat markets. The incumbent will work closely with

Product, Policy, Risk, Credit, Collections, Operations, Technology, Analytics, and Distribution

teams to design, implement, and continuously enhance best-in-class Retail Asset products and policies for Bharat Banking customers. The role requires extensive travel across Bharat Banking branches to gather market insights, assess business opportunities, address field challenges, and ensure effective execution of strategic initiatives. The incumbent will drive adoption of approved policy relaxations, monitor policy utilization across Bharat Banking branches, and ensure that field teams are fully equipped to leverage available product propositions. The role will also represent Bharat Banking in RBBCs, business reviews, and governance forums, addressing branch-specific requirements related to products, policies, processes, training, and operational support. In addition, the Product Manager will be responsible for stakeholder management across business and support functions, driving alignment for Bharat-specific product enhancements and policy changes, monitoring business performance through MIS and analytics, leading product rollouts and pilot programs, conducting capability-building initiatives for branch teams, improving customer journeys through process simplification and digitization, and ensuring timely resolution of field escalations. The overall objective is to build a scalable, profitable, and differentiated Retail Asset franchise across Bharat Banking branches while improving customer acquisition, disbursement growth, productivity, portfolio quality, and customer

Qualifications: MBA

Role Proficiencies:

• Retail Asset Product Knowledge
• Product & Policy Management
• Credit & Risk Understanding
• Stakeholder Management
• Portfolio & Business Analytics
• Market & Customer Insights
• Business Performance Management
• Project & Program Management
• Process Improvement & Digitization
• Training & Capability Building • Strong Communication & Presentation Skills • Problem Solving & Decision Making • Execution Excellence • Relationship Management • Field Orientation & Market Engagement • Regulatory & Compliance Awareness • Cross-Functional Collaboration • Customer-Centric Approach • Strategic Thinking & Result Orientation • Ability to Travel Extensively Across Bharat Banking Branches